do i look desperate in this skirt?

noo... i'm not talking about 'that' desperation...

it's about my new year resolution #1.
I went to one particular bank to apply for the refinancing. being the 'always ready, sometimes to a fault' me, i came bearing all the documents needed.

• a copy of IC
• certified copy of 3 months payslip
• letter from employer
• bank statement (where the salary is bank-in)
• EPF statement - from i-akaun
• a copy of S&P agreement
• previous bank loan statement

to be safe, i also bring

• local council tax bill - as proof of ownership
• EPF statement - from EPF kiosk

apparently, small loan amount gets no cheer from bank officers. as soon i mentioned i want a 50k loan, she's been trying to show me the door several times while i stubbornly stayed.

Here's her several attempts:

her: we only accept loan above 100k.

me: i've consult your fellow officer. below 100k no problem.

her: we only finance 90% of the house value.

me: i know. that's why i asked for a 50k loan.

her: how much is your house value?

me: i don't know, that's for you to find out. (you see, banks have their own panel of valuers)

her: (after finding out the house value is 70k) you should take 63k loan.

me: i don't want to. i need 50k only. the house need to be fully paid in 5 years. i can't do that with 63k loan.

her: then, we need bank certification for your salary bank statement.

me: there aren't that many branches. i don't want to waste my time. the online statement print-out is good enough. (it has the bank's copyrighted print)

her: in that case, we need kiosk-printed EPF statement

me: (sheepishly took it out from my pile of papers)

her: (shocked) oh! you have it... (probably thinking why won't this girl go!!)

after several minutes, she finally relented and fill out the application form.

Hon, hope to hear from you in 7-10 business days.